Finding the right car insurance for your budget is important. But, how much you pay depends on a number of factors, specifically, where you live. So, let’s look at the best and most affordable car insurance available in St. Paul, Minnesota.
How Car Insurance Costs Work
The average cost of car insurance in St. Paul is $829 per year for a minimum coverage policy and $1,948 for a full coverage policy.
First, it’s important to note that any estimates for the cost of car insurance are just that — estimates. While the amount of coverage is the main component of cost, you will need a quote from an insurance provider to get an exact number.
That being said, costs are also heavily dependent on location and personal factors, including things like credit score, driving history, age, and gender. These estimates are based on a standard driver in St. Paul, with estimates based on the size of the plan.
The Best Bang-For-Your Buck Insurance in St. Paul
For you, affordable may mean getting a good price on high-coverage car insurance. If that’s you, these are the best providers in St. Paul for high-coverage plans while still staying affordable:
- Auto-Owners has an average $1,669 annual premium for high coverage. They’re rated the highest in Minnesota, offering affordable rates. Their minimum coverage is also below the average price of $684. St. Paul drivers can also get discounts on their Auto-Owners policy.
- USAA has an average $1,674 annual premium for high coverage. This provider is especially useful for members of the military, with steep discounts available. Discounts are also available to students and good drivers. USAA is also a great provider for lower coverage policies.
- Geico has a $1,955 annual premium for high coverage. They’re rated very highly, with plenty of savings opportunities. Note, however, that the coverage they offer in their higher cost plans may not be as comparative to others.
- State Farm has a $1,594 annual premium for high coverage. Also a highly-rated company, especially in customer service, State Farm is one of the most affordable providers in St. Paul. The average full coverage policy from State Farm is $353 cheaper than the citywide average rate in St. Paul.
The Cheapest Car Insurance Options in St. Paul
Of course, affordable to most people doesn’t mean high coverage, it means minimum coverage. Here are the least expensive policies in St. Paul:
- Auto-Owners: $684
- USAA: $658
- AAA: $685
- Geico: $807
- American Family: $825
Let’s Make it Happen
No matter your plans or goals with your car insurance, we can help make it better. To learn more about finding a better car insurance policy, call All Things Insurance at (763) 645-5450.